Information directory

Asset finance guides

Comparison guides for UK businesses researching asset finance, leasing, hire purchase, contract hire, refinance and working capital.

Hire Purchase vs Leasing

Compare ownership, monthly cost, VAT treatment and end-of-term options when choosing between hire purchase and leasing.

Understand the practical difference between finance lease and operating lease for business equipment and vehicles.

Compare contract hire and hire purchase for vans, cars, HGVs and business fleets.

Compare asset-backed refinance with a business loan when raising working capital.

When should a business fund a specific asset, and when is a general business loan more suitable?

Understand how VAT finance can sit alongside asset finance when buying VAT-liable equipment or vehicles.

Compare hire purchase and finance lease when deciding whether ownership, rental flexibility or end-of-term planning matters most.

Understand when it is better to preserve cash and finance an asset rather than buying outright.

Plain-English guide to balloon payments, why they reduce monthly payments and what to consider before using one.